Develop embedded lending Paylater services product ecosystem for SMBs
Project Owner
Tumbuh
Brand & Experience
Research & Analytics
Overview
This is the development of an innovative embedded lending solution designed to bring Paylater services to SMBs across Indonesia.
The goal was to make financing more accessible by integrating it directly into the platforms SMBs already use. This solution enable business owners to manage cash flow more effectively and seize growth opportunities without the burden of upfront capital. By embedding flexible financing into their daily operations.
Impact
Enabled SMBs to access flexible working capital through seamless BNPL integration.
Improved financial inclusivity for underbanked businesses.
Built a scalable infrastructure for embedded lending that integrates smoothly into partner ecosystems.
Approach
User-Centered Product Design: Focused on understanding the financing pain points of small businesses to tailor a solution that’s simple, accessible, and trust-driven.
Risk & Compliance First: Worked closely with risk and legal teams to ensure a compliant, scalable lending flow supported by credit scoring and repayment tracking.
Process
Market Research & User Discovery
Engaged directly with SMBs to understand cash flow gaps and lending behavior.
Conducted competitor analysis to identify gaps in existing BNPL offerings.
Product Development & Integration
Built and tested flexible lending modules that could be embedded into partner platforms.
Created E2E flow across customer onboarding (KYC), customer management, and risk management.
Launch & Scale
Partnered with Partners platform to deploy BNPL solutions to live users.
Continuously monitored uptake, repayment behavior, and adjusted risk models to scale safely.
